|>>|| No. 6137
The chart was made by Nutmeg, who are discretionary investment managers (mainly using ETFs) so do they have an interest in making cash look unappealing. Equities will beat cash over the medium to long term.
For cautious investors over the medium to long term there are structured deposits, MetLife's capital guarantee ISA, Prudential's range of PruFunds (ISA or bond, but the protected ones are only available for under a bond), Aviva's Guaranteed 90/100 funds (bond), LV's flexible guarantee funds (bond), there's a few funds which try to guarantee a return of at least 80% of the highest ever share price (Investec's Multi-Asset Protector and one from Zurich/Sterling, off the top of my head) and then there's plenty of what used to be called defensive managed (Mixed 0-35% shares) and cautious managed (Mixed 20-60% shares) but if you're savvy enough you could beat OEIC funds using ETFs. There's many options, the best fit depends on your objectives and risk tolerance.